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Best Health Insurance for Individuals
As an individual, private health insurance gives you personal control over your healthcare decisions and access to treatment on your timeline. Start with the right foundation and build from there.
Why It Matters
Key Considerations
- •Choose your excess to match your budget and risk tolerance
- •Start with major medical or surgical cover — the most cost-effective foundation
- •Add cancer cover to protect against catastrophic costs
- •Ask what each plan actually pays for mental health, and on what conditions
Our Recommendations
- ✓Major Medical Cover: Best starting point for complete protection
- ✓Ask an adviser which plan fits your situation
- ✓Cancer Cover: Critical given 1 in 3 Kiwis get cancer
- ✓Consider higher excess ($500-$1,000) to reduce premiums
Get a Individuals Quote
Personalised health insurance for individuals
Why Work With Us
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Independent
Our service is completely independent. Advisers are paid by providers, not you.
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All Providers
Covering Southern Cross, nib, AIA, UniMed and Partners Life — all major NZ health insurers.
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Fast Quotes
Get a personalised quote within 24 hours. No waiting around.